Travel Insurance for Hawaiian ports of call

[Kinkacruiser]

Looking ahead at the 35-day Syd-Hawaii-Tahiti- South Pacific cruise in 2017 and appreciate that any trip to the USA will attract a higher insurance premium, regardless of the number of days spent there. I understand that heart/lung pre-existing conditions are particularly difficult to get for USA bound cruisers.

 

Are you aware of an insurer who will cover a pre-existing (heart condition) for my then 74 year 'young' husband for the 2017 cruise?

Highly unlikely, but is there any reduction in premium in that only 5 of the 35 days will be in Hawaii, USA? If not, don't you think there should be a special /reduced premium for cruises to Hawaii or does one try not to have an accident in those ports :rolleyes:?

 

Thanks for your replies.

Edited November 18, 2015 by Kinkacruiser

[mort1305]

Try Boomers Travel Insurance we have taken it out for our upcoming cruise (although not to the US). They covered ALL our pre existing conditions including heart. Give them a try.

[jennyg2610]

My husband has heart issues and we just bought a year insurance with the pre existing from Australia Post. You need to ring them as they go through everything with you. Look on their website under travel insurance the pre existing. It does cost a little extra for USA. The travel insurance is taken out for the length of say that you are out of Australia.

[Kinkacruiser]

Thanks Mort and Jenny for those tips.

[rkmw]

Anna if you do a dummy quote with Aus Post i dont know your age but with your husband being 74 its going to cost a fortune and thats not counting on the pre existing....nearly $900 for an annual policy and $1300 for 5 weeks for 2 people....have to shop around

 

do you happen to have a gold credit card because you can get overseas travel insurance on the card if you put so much on your card, with my St.george one i only need to pay $500 and get the free insurance

[Kinkacruiser]

Anna if you do a dummy quote with Aus Post i dont know your age but with your husband being 74 its going to cost a fortune and thats not counting on the pre existing....nearly $900 for an annual policy and $1300 for 5 weeks for 2 people....have to shop around

 

do you happen to have a gold credit card because you can get overseas travel insurance on the card if you put so much on your card, with my St.george one i only need to pay $500 and get the free insurance

 

Hi Bob,

It makes longer cruises more expensive, but you need it ...just in case. I can't get credit card insurance :o I'll have a look at Auspost as well. Taa.

Cheers,

Anna

[wotaripper]

Check annual policy's carefully before purchasing as some state in the fine print they cover frequent trips of some say 14 and some say 7 days or less so long trips of 35 days or so are not covered under these policies.Best to look for a policy where you select the region or country that the most time will be spent in which would limit the cost for five days in the USA.

[Kinkacruiser]

Check annual policy's carefully before purchasing as some state in the fine print they cover frequent trips of some say 14 and some say 7 days or less so long trips of 35 days or so are not covered under these policies.Best to look for a policy where you select the region or country that the most time will be spent in which would limit the cost for five days in the USA.

 

Thanks wotaripper. Lots of companies and policies out there so you really do need your homework.

 

Pretty sure you'd be charged the full 35 days, even if you were in Hawaiian ports only 5 days. You might as well spend the entire time in the US if there's no difference in price.:rolleyes:

 

Cheers,

Anna

[wotaripper]

Thanks wotaripper. Lots of companies and policies out there so you really do need your homework.

 

Pretty sure you'd be charged the full 35 days, even if you were in Hawaiian ports only 5 days. You might as well spend the entire time in the US if there's no difference in price.:rolleyes:

 

Cheers,

Anna

No price can vary a lot I know in 2012 we insured through travel insurance direct for a five week trip that took in the UK Europe and USA we had to select where the majority of time would be spent which was UK and Europe 4 weeks and 1 week in USA so price was good compared to other companies where you had to indicate all destinations.

[Kinkacruiser]

No price can vary a lot I know in 2012 we insured through travel insurance direct for a five week trip that took in the UK Europe and USA we had to select where the majority of time would be spent which was UK and Europe 4 weeks and 1 week in USA so price was good compared to other companies where you had to indicate all destinations.

 

It was good that Europe was your major destination then :).

 

I suppose world cruisers would need to purchase a world wide policy. for the 100+ days. Imagine the cost!

 

Cheers,

Anna

[wotaripper]

It was good that Europe was your major destination then :).

 

I suppose world cruisers would need to purchase a world wide policy. for the 100+ days. Imagine the cost!

 

Cheers,

Anna

 

Yes pretty pricey we travelled for 60 odd days last year cost us nearly $400 we took in USA for 4 weeks with over 5 weeks in Europe and UK then Dubai on return trip.

[Kiwi Kruzer]

Yes pretty pricey we travelled for 60 odd days last year cost us nearly $400 we took in USA for 4 weeks with over 5 weeks in Europe and UK then Dubai on return trip.

 

Thats not bad.....about the same as a specialist charges for a one hour visit.:eek:

[ronrick1943]

You need to read the fine print and find the policy for you---but never leave without one. We've had to us it 2 times now. Worth every penny.

[cruisine21]

Check annual policy's carefully before purchasing as some state in the fine print they cover frequent trips of some say 14 and some say 7 days or less so long trips of 35 days or so are not covered under these policies.Best to look for a policy where you select the region or country that the most time will be spent in which would limit the cost for five days in the USA.

 

A lot of annual policies won't cover you if you are over 60. Also you can't take out the policy more than 60 days before travel.

Edited November 18, 2015 by cruisine21

[lilly4350]

Check Canstar. They rate travel insurance (amongst other things). Then you can do comparison pricing on various insurances. We ended up choosing Budget for our next trips. Not sure about the heart condition part though.

Diane

[Kinkacruiser]

Thanks for that Diane.

Cheers,

Anna

[wotaripper]

A lot of annual policies won't cover you if you are over 60. Also you can't take out the policy more than 60 days before travel.

 

TRD you can took it out nearly a year before trip incase of cancelations

[dillpickle48]

I know this problem only too well. Give Covermore a try. I have used them for four cruises so far and had my heart complaints covered. Try them on-line first to get a quote. If you have problems, ring them.

[Kinkacruiser]

I know this problem only too well. Give Covermore a try. I have used them for four cruises so far and had my heart complaints covered. Try them on-line first to get a quote. If you have problems, ring them.

 

I had no problems with them for our upcoming cruises (the annual policy will cover 2 cruises ) and will seek their cover again next year. Thanks dillpickle48 :)

[Sandielle]

We found Insure and Go very good for an annual policy.

[ozscot01]

Also check 1Cover. Many pre-existing conditions are automatically covered if they are stable. They are on-line but you can call them to discuss.

[Kinkacruiser]

We found Insure and Go very good for an annual policy.

 

Thanks Sandy. It's always good to have a fistful of companies that work for you.

Cheers,

Anna